SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

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                                    FORM 8-K

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                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

       Date of Report (Date of earliest event reported): November 4, 1996

                        SYMONS INTERNATIONAL GROUP, INC.

             (Exact name of registrant as specified in its charter)

                                     INDIANA

                 (State or other jurisdiction of incorporation)


       001-12369                                        35-1707115
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(Commission File Number)                    (IRS Employer Identification No.)



4720 Kingsway Drive
Indianapolis, Indiana                                     46205
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(Address of principal executive offices)               (Zip Code)


Registrant's telephone number, including area code:  (317) 259-6300







Item 5.  Other Events


     The Registrant  previously submitted an unexecuted copy of the Underwriting
Agreement,  dated November 4, 1996,  among the  Registrant,  Goran Capital Inc.,
Advest, Inc. and Mesirow Financial, Inc. (the "Underwriting Agent") as Exhibit 1
to its  Registration  Statement on Form S-1  (Registration  No.  333-9129).  The
Registrant hereby submits an executed, final copy of the Underwriting Agreement,
attached as Exhibit 1.

Item 7.  Financial Statements and Exhibits

          (c)  Exhibits

               Exhibit 1 --  Underwriting  Agreement,  dated  November  4, 1996,
          among the  Registrant,  Goran Capital Inc.,  Advest,  Inc. and Mesirow
          Financial, Inc.





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                                   SIGNATURES

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  registrant  has duly  caused  this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                  SYMONS INTERNATIONAL GROUP, INC.


                                  By:      /s/ David L. Bates
                                           David L. Bates, Vice President,
                                           General Counsel and Secretary

Dated:   November 15, 1996